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Halifax, you are first in line!


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S.A.R - (Subject Access Request) request sent 15MAR07 so it was due on 24APR by my calculations. Nothing has arrived yet but the cheque was cashed on 18APR so it should be in the pipeline. I will be calling them on Monday to chase.

 

I am testing the waters with Halifax and confidence building. After that I go for the big one. Barclays have charged me a small fortune over the last 6 years by my estimates.

 

As per the forum advice, I have opened a parachute account to cover me if they get grouchy!;-)

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  • 2 months later...

Finally got around to sitting down and drawing up the first claim latter and something struck me about the maths in the spreadsheet. All my charges were incurred in 2004 so the interest is a good deal. However the account was suspended in 2005 and I agreed a payment plan to clear the debt at £50 a month. Since then they have not charged interest. If I use the spreadsheet figures they will calculate right up to date. This will effectively mean that I would be claiming more than they have actually charged and give them a flaw in my case that they could exploit in court. Anyone come across this before and got any good ways of dealing with it or am I best just claiming the charge and forgetting the interest?

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Ahh - you are mixing up interest that they have been charging you, and interest on the spreadsheet that refers to Statutory Interest - awarded at the discretion of the courts.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi HOOOLIGAN

 

I think that you are still accruing ainterest even if the account was closed ( someone tell me if Im wrong)

Dont think it matters if account suspended or closed .

 

Just out of interesr (pardon the pun) which spreadsheet are you using.

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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Hi

 

As I was not sure which one to use I have actually filled out both just to see hpw they worked. I am planning ahead a bit as I am only just sending the prelim letter so not yet at the stage where I need the sheet.

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Hi Hooligan

 

No harm in testing the waters though. One thing if you try them out now youll know how they work when the time comes.

 

I personally used Mindzai's, Im not very good with these things but I found this one really easy to use.

 

Just keep rreading on here and in no time youll be giving other members help, you learn so much.

If anyone would have told me at Xmas that before the year was over I would be taking the Banks on I would have called the famous MEN in WHITE COATS for them.

 

So many people on here that are sssooo clever and very helpful. Its a great place to be.

 

Best of Luck with your claim and dont forget stick to YOUR timescale

 

Regards :)

30-12-2006--Requested statements from Local Halifax.

02-02-2007--Statements Recieved.

18-04-2007--Prelim sent.

20-04-2007--Reply , Thanks , give us 8wks letter.

02-0502007--Sent L.B.A. & Schedule of Charges

11-05-2007--Recieved reply ,still investigating.

17-05-2007--Sent Amended L.B.A. for Contractual Interest this time.

14-06-2007--Received standard Bog Off letter.

13-06-2007--Took N1 to Local Courts.

26-06-2007--Copy of N1 from Court, issued 21-06-2007. to Halifax, Deemed Served 25-06-2007

Have till 09-07-2007 to file Defence.

05-07-2007--Note that Acknowledgment of Service been Filed on 29-06-2007.

Have 28 days from date of Service to File Defence.

07-07-2007--Offer from Halifax.

09-07-2007--Rejection letter sent to Halifax. Next day delivery.

10-07-2007--Money put in Account:mad:

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